My checking account at First Citizens Bank, account # XXXX, was officially closed on XX/XX/year>, and the final balance of {$660.00} was paid to me on XX/XX/year>. After the account was closed, a {$1200.00} debit card dispute was temporarily credited. However, these funds were incorrectly applied to other transactions instead of being refunded to me. As a result, the disputed funds were lost, and the bank now shows that I owe a balance. I called First Citizens Bank on XX/XX/year> to dispute it. At that time, First Citizens Bank 's claims department said my account had been closed and that the temporary credit would be mailed to me when I received the letter disputing the amount of {$1200.00} and the direct deposit to the closed account on XX/XX/year>. I contacted both customer service and the local branch. The bank informed me that the branch must review the closure process, while the branch told me to visit in person.…
CFPB COMPLAINT DATABASE
First Citizens Bancshares, Inc.
90 real consumer complaints filed against First Citizens Bancshares, Inc. at the Consumer Financial Protection Bureau in the last 12 months. 5 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Managing an account27
- 02Closing an account13
- 03Problem caused by your funds being low11
- 04Problem with a lender or other company charging your account7
- 05Opening an account6
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
When I opened CIT investment account on XX/XX/year>, I enrolled an offer of receiving {$200.00} ( to be posted on my CIT saving account ) if deposit more than {$50000.00} to my CIT investment account ( managed by XXXX XXXX XXXX ). I have fulfilled all the requirements but still haven't seen {$200.00} posted on my account. I have called First Citizens Bank XXXX times, and they promised to post it, but it's been over XXXX month since my first call, and nothing happened. Attached is the PDF print of the original offer, and the screenshot of my account balance as a proof.
I was due to receive my Belgian pension payment of XXXX ( approximately {$1600.00} ) on XX/XX/year>, as I have every month for over XXXX years. The pension office sends this amount to my account at XXXX XXXX Bank, located in XXXX, NC, at the XXXX XXXX XXXX. The pensions office confirmed to me that this amount was indeed sent as usual and even specified that the XXXX ID tracing number is XXXX. The XXXX XXXX Bank branch was notified from the outset and investigated. They were told that the transfer had been flagged without any explanation. But there has been no further news since. I should normally receive the same amount again on XX/XX/XXXX. Will this one also be flagged? I would like to know the reason In the meantime, this situation is causing me numerous expenses that I wish to claim from my bank. I'm waiting for my money because it's all I have to live on and pay the bills.
Below is a email sent to all parties involved that recieved no response what so ever. To Whom it may concern, My time started a few years ago with a phone call from XXXX XXXX for some equipment financing. Right at the perfect time during or shortly after covid we were expanding and my forklift was XXXX. XXXX was able to hop right in and get me exactly what I needed. When I was XXXX payments in and still have not received the equipment he was able to reach out and get the company to stop using covid as an excuse and get us what we needed. A yr later I was offered a pre qual for section XXXX and was going to use it to buy a truck needed for making deliveries and doubling as a vehicle we could take to shows and show case our work. I took the pre qual to the dealer they passed me the keys and I left instantly.…
I called for citizens bank on XX/XX/year> report card had been lost or stolen. At first they gave me my credit and then they took them back which made my account back in the negative. I called and demanding the answer how that had happened since I closed my account an issue and wanted a new debit card the bank told me after they closed my account on XX/XX/XXXX. It had expired the next day. So that let whoever stole my card overcharge my account {$1400.00}. I filed an appeal and XXXX XXXXXXXX XXXX I just got an overcharge my account {$1400.00}. I filed a appeal and XXXX XXXX XXXX. I got a letter in the mail saying that they put the {$1400.00} back in my account and its been permanent, but they charged off my account. Customer service for first service and called me several times asking if I wanted to open my account back and I stated yes, but I would have to go into the office and XXXX North Carolina. The bank in XXXX will not open my account back..
Recent complaints
The 30 most recent complaints against First Citizens Bancshares, Inc. where the consumer chose to publish their narrative.
I am filing this complaint regarding the reporting and attempted collection of an alleged debt by XXXX XXXX XXXX that is inaccurate, unverified, and legally questionable. This account is being reported on my credit file as an active collection in the amount of approximately {$50000.00}, with my responsibility listed as a co-signer. The underlying claim relating to this alleged debt was previously litigated in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The case, styled First Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, was dismissed by court order on XX/XX/year> for lack of prosecution. No judgment was entered, and no enforceable obligation was established by the court. Despite this, XXXX XXXX XXXX continues to report this account as an active collection and is asserting that I am legally responsible for the balance. I dispute this debt in its entirety.…
I am filing a complaint regarding my banks handling of an unauthorized transaction and denial of my fraud claim. A bill payment in the amount of {$4900.00} was made from my checking account to a XXXX credit card without my authorization. I did not initiate or approve this transaction. I promptly reported the fraud to my bank. However, my claim was denied. The bank stated that the denial was due to XXXX XXXX not providing information about the recipient account holder. This reasoning is unacceptable and appears to violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The law requires the bank to conduct a reasonable investigation and determine whether the transaction was authorized. A lack of cooperation from another financial institution does not constitute proof of authorization. Additionally, the transaction reportedly used my login credentials and phone number, which suggests my account may have been compromised or taken over.…
CONTRACT FRAUD / NOTICE OF DEMAND FOR PROOF OF FUNDING, ACCOUNTING, AND CHAIN OF ASSIGNMENTHAND DELIVERY PRESENTMENT REQUEST FOR BRANCH RECEIPT AND ACKNOWLEDGMENT Date : 28 FEB, 2026 To : Branch Manager and Authorized XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, North Carolina Re : Formal Demand for Proof of Consideration, Proof of Funding, Chain of Assignment, and AccountingAccount Number : XXXX : XXXX XXXX XXXX [ PRINCIPLE ] XXXX Form XXXX I. PURPOSE OF PRESENTMENT This Notice is being presented in person to establish formal record and lawful presentment pursuant to the Uniform Commercial Code as adopted in North Carolina, including : XXXX XXXX XXXX. XXXX ( Request for XXXX ) XXXX XXXX XXXX. XXXX ( Attachment and Enforceability of XXXX XXXX ) XXXX XXXX XXXX. XXXX ( Value and Consideration ) XXXX XXXX XXXX.…
Tried to close my checking account and was told that because I paid my home equity line of credit ( not my checking account ) that the funds in the checking account couldn't be released until payments clear. Nevermind that I have paid the line of credit literally hundreds of times and never once had a payment not clear. Instead now I'm told that First Citizens needs XXXX business days to verify payments before money in my checking account ( again, NOT my line of credit ) can be released. Also, now I'm locked out of my account, so I can't even verify any of the information that is being told to me about my account.
First Citizens Bank moved up drastically on overdraft fees for all membership on XX/XX/XXXX. Was told by FCB Agent that they notified me back in XXXX of XXXX, I still dont believe it, but even if they did, that's too far away from XX/XX/XXXX. I called FCB and complained last Friday XX/XX/XXXX when I noticed I was having to bump more and more money into my joint shared account to keep it in the " safezone '' since considering I use a 3rd party app to help me do that. Only to see they went from a small fee of XXXX for overdrafts to XXXX and I then noticed they have made hundreds off of me just since XX/XX/XXXX taking differentfees of XXXX to XXXX dollars!!!! I requested a overdraft refund and was told to go to my bank in person that they couldn't help me over the phone then when I went in person I was told I had to call the same phoneline and claim all the overdraft fees as fraudulent then get my money back online. Only to be redirected and shut down the 2nd go around over the phone.…
On XX/XX/year>, around XXXX, I was looking on XXXX for a used game console, a XXXX XXXX. I had texted the number provided by XXXX. The " seller '' said he still had the item. He wanted a deposit first, we agreed on XXXX dollars as a deposit, then id semd the rest of the money after the item was shipped. After sending the XXXX dollars, the seller was almost hostile about sending the rest of money, ignoring my questions about when he planned on shipping the item. I asked for more picture of the item and he sent me pictures he got off a listing from XXXX.
I am filing a complaint regarding overdraft fees charged to my checking account despite having sufficient funds. In XX/XX/year>, I received a tax refund deposit of {$7300.00}. After this deposit, my account consistently maintained a balance above {$3000.00}, even after multiple transfers and transactions. Despite this, my bank charged overdraft fees on multiple occasions, including XX/XX/XXXX and XX/XX/year>. At no point did my account reflect a negative balance that would justify these fees. Based on my transaction history, it appears these fees were triggered due to transaction posting order or internal processing practices rather than actual insufficient funds. These charges have reduced my tax refund and caused financial harm.…
I was bidding on a skid steer through XXXX and went through one of your preferred lenders because it seemed like it would make the process simpler. I contacted First Citizens Bank through your site and got pre-approved for the loan prior to the auction ending. I got pre-approved for {$50000.00}. I told First Citizens Bank that I had started a new company but wanted to use my existing company as a co-signer for the loan approval. This would be necessary because my new company has not been in business long enough to apply for credit. I provided all the necessary financial documentation and First Citizens Bank told me the co-signer would be no problem and provided the Pre-approval based on the documentation provided. I won the auction and informed First Citizens Bank. They began getting all of my funding put together and told me they would have the loan funded and pay the seller within the 3 days allotted from the auction.…
My mother passed away XX/XX/year>. My mother had given me access to her checking account with a debit card in her name. The day she passed away, I withdrew money for her cremation. I noticed the next day that the account was blocked. I called to see if they would send another card so that I can withdraw the rest of the money with me being the beneficiary and they sent a card but the card was deactivated when it got to me. I called today, XX/XX/XXXX and talked to the XXXX office because I live in the XXXX area and was swinging by to give them the death certificate. The person I talked to said that she would try to investigate and find something out. He called the local office in XXXX XXXX where she talked with the bank representative and she called me back. Upon talking to the bank representative being that my mother had been a customer there for years, there was no condolences given at all.…
I am an American citizen living in the XXXX. I am XXXX, living in a care home, nearly XXXX and suffering from XXXX. I am using my brother 's email address, as I have none of my own and he has power of attorney for me. Last XXXX I wrote to the First Citizens ' Bank in XXXX, XXXX and asked them to close my account and send the contents to me in XXXX. The account closure team have cynically made me jump through many hoops since then, but I still have not received the money. On the XXXX of XXXX, they claimed that they had sent me a check, but none has arrived. I have had to spend over {$250.00} on 'phone calls, postage and a notarization fee. My case number is XXXX.
I am the XXXX of XXXX XXXX XXXX XXXX. This complaint concerns a breach of a written fee-waiver agreement by First Citizens Bank XXXX account numbers ending in XXXX and XXXX. In XXXX, XXXX XXXX ( Vice President and Business Banking XXXX ) provided clear written confirmation that " waivers have been extended through the end of XXXX. '' Despite this, First Citizens Bank assessed {$3300.00} in fees against my accounts in XX/XX/XXXX. These fees relate to activity that occurred exclusively in XXXX XXXX falls within the promised waiver period. The bank is attempting to charge for XXXX activity simply because the billing cycle settled in XXXX. This is a deceptive practice and a breach of our written agreement. Furthermore, no XXXX advance notice of a new fee schedule was provided, violating XXXX XXXX and CFPB " Junk Fee '' guidelines. I filed a formal dispute with the bank 's XXXX XXXX XXXX on XX/XX/XXXX, and sent a formal notice to XXXX XXXX XXXX. XXXX XXXX on XX/XX/XXXX.…
Complaint is against this site Business Name : XXXX Website : XXXX XXXX XXXX I am filing a formal complaint against XXXX.org for deceptive business practices, misleading impersonation of a federal government agency, and unlawful recurring charges. I was attempting to file a XXXX XXXX XXXX ( XXXX ) report through the official XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Instead, I was misdirected to XXXX, a website that closely mimics the appearance and structure of the official government website. The site did not clearly and conspicuously disclose that it is a private third-party service unaffiliated with the U.S. government XXXX During the filing process : My credit card payment was repeatedly declined. I was prompted to enter my checking account and routing number instead. Once I entered my checking information, the payment processed immediately. There was no clear disclosure of recurring annual charges or subscription enrollment.…
On XX/XX/year> at First Citizens Banks XXXX XXXX XXXX branch, I was subjected to excessive scrutiny while trying to open a business checking account. Despite providing all requested documents ( EIN, articles of organization, bank statements ) ahead of time, staff acted unprepared, demanded hard copies of already-submitted files, accused me of fraud without basis, and interrogated me aggressively about my small property management business. The manager, XXXX, was hostile, refused to explain policies, and falsely promised follow-up ( call at XXXX XXXX. tomorrow + email todaynone received ). I believe this was discriminatory based on race, as my ID clearly shows my background, and no other customer appeared to face this level of suspicion. This violates fair banking practices. I request investigation, resolution of my account, and corrective action against the branch. Best, XXXX XXXX
This is now my third email to the Consumer Financial Protection Bureau ( CFPB ), as I have not received assistance from either your office or CIT Bank regarding this matter. It has been over six months, during which I have sent multiple emails and called weekly in an effort to resolve the issue, yet it remains unresolved. CIT Bank continues to send promotional emails regarding my account ; however, I have not received the email I was instructed to wait for in order to update my phone number. Each time I call, I am given a different explanation, but no solution. I urgently need to update my primary phone number to regain access to my account. At this point, I am prepared to close the account entirely in order to recover my funds, as it is unacceptable that this issue has persisted for such an extended period without resolution. I respectfully request immediate assistance in resolving this matter.
I am submitting this complaint regarding First Citizens Bank & Trust Company for serious loan servicing errors involving repeated internal payment reversals, improper late fees, inaccurate delinquency coding, inflated payment amounts, and threatened credit reporting. The alleged delinquency on this account arose from the banks internal servicing and posting practices, not from borrower nonpayment. I obtained a retail installment loan in XX/XX/XXXX in the principal amount of {$25000.00} at a fixed interest rate of 13.250 %. From loan inception through XX/XX/XXXX, payments were made timely and processed correctly. In XX/XX/XXXX, I made an additional payment that the bank accepted and applied without issue. The account was current at that time. Beginning XX/XX/XXXX, XXXX XXXX initiated a pattern of accepting and posting payments, assessing interest, and then reversing those payments internally without explanation.…
Chapter 1 : To the XXXX XXXX Team at CIT Bank, Dear XXXX I am writing to formally express my deep concern and disappointment regarding the handling of a XXXX transfer dispute involving a sum of {$500.00}. While this amount may be immaterial from an institutional perspective, it represents a meaningful financial loss to me and, more importantly, reflects a troubling lapse in customer advocacy and procedural consistency. I initially submitted a dispute for this transaction after failing to receive the services and the product for which the payment was rendered. The dispute was duly accepted and documented by a supervisory representative over the phone, providing me with a reasonable expectation that the matter would be reviewed in good faith.…
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against CIT Bank regarding their ongoing failure to assist me with a basic account issue, despite five months of repeated and consistent efforts on my part. For over five months, I have been unable to access my account solely because CIT Bank has refused or failed to update my phone number. During this time, I have contacted their customer service weekly via phone and email. I am repeatedly told that I will receive a follow-up email or call, yet no such communication ever occurs. I have worked directly with an employee named XXXX, who stated he was in charge of my case, as well as XXXX, a supervisor. Unfortunately, neither individual has provided any meaningful assistance. Their only response has been to tell me to wait for an email, which has never arrived despite months of waiting.…
This complaint is a continuation of CFPB XXXX XXXX. XXXX, which was closed without resolution after the bank provided a conclusory response that did not address parental consent or CIP/KYC verification XXXX Bank denied violations Bank refused to confirm corrective action Account still unresolved XXXX XXXX still at issue
First Citizens Bank, XXXXXXXX XXXX XXXXXXXX Checking account Problem with fees/account management I am filing a complaint regarding First Citizen 's Banks reversal of provisional credit from a fraud claim without advance notice, which directly caused my account to be overdrafted and resulted in financial hardship. I filed a fraud claim for unauthorized debits on my checking account. XXXX XXXX issued a provisional credit totaling XXXX. After XXXX later refunded the merchant, XXXX XXXX reversed the provisional credit by with drawing XXXX and XXXX from my account. The bank did not provide me with advance notice of this reversal. My account was unexpectedly overdrafted despite my paycheck being deposited. This occured immediately before a winter storm and left me without access to funds for necessities, including propane, fuel and groceries. The bank could only offer me to overdraft my account to obtain the necessary supplies.…
I am past due on my account after proactively requested hardship assistance to avoid repossession. I was assured they would process my deferment, only to see they hadnt. This was around XXXX XXXX. They said I had to make a payment before XX/XX/XXXX and it would process. I did even though it was a stretch for me. XXXX comes and theyre calling me saying its past due. I call to find out whats going on and am told only local branches do deferments so what I was told was wrong. I called the branch, they said the same that they couldnt help and I would need to call another number. I called the new number and was repeatedly told I must make another full payment before any assistance would be considered, which defeats the purpose of hardship relief. I dont have access to any of my statements. Their system doesnt allow me to access it on my account because I dont bank with them.
On XX/XX/XXXX I found First Citizen 's Bank took XXXX XXXX debits from my checking account on XX/XX/XXXX, for {$7.00} each, without authorization. I do not have an auto draft agreement with First Citizens Bank. I do not have an account with this bank. I do not have a bill with this bank. I issue e-checks to pay my dues. I do not have a balance with my HOA. My HOA did not receive the funds First Citizens Bank took. Our HOA property XXXX responded to me on XX/XX/XXXX and said it was XXXX 's mistake. They were not instructed to take funds. Thank you
This complaint concerns a residential property located at XXXX XXXX XXXX, XXXX, XXXX, which has been marketed, listed, and promoted for sale as a habitable single-family residence despite the absence of required permits and the absence of a Certificate of Occupancy on record with the City of XXXX XXXX XXXX City records reflect no issued Certificate of Occupancy and no final permits authorizing lawful residential occupancy for this property. Notwithstanding this, the property was repeatedly listed for sale at prices ranging from approximately {$1.00} XXXX to {$1.00} XXXX and promoted through multiple platforms, including MLS listings, online real estate portals, and video marketing, as a completed and habitable dwelling suitable for immediate residential use.…
XXXX XXXX left a voicemail that my account was delinquent since XXXX and would be sent to collections. I returns his call. I asked him questions and his response was repeatedly, at the end of the day this is owed. I asked him to link my accounts and he said it would be a few minutes then he hung up on me. I called him XXXX times and got his voicemail. I have not received a return call. Since I believe my account is delinquent and being sent to collections, I called the XXXX customer service number and they XXXX. Answered each of my questions ; XXXX. XXXX XXXX has been paid ; and XXXX. XXXX minutes later, the account in question still hasnt been linked to my account so I can see it online. I will handle my business but I dont think it professional or ethical to make threats of sending accounts to collections and cite inaccurate information.
XXXX I opened a checking account with CIT Bank. I deposited {$100.00}. Next month I could not login to my account. Called their phone #, and CS said the account was locked and closed on their end. I asked about what happened to my {$100.00} balance, and they said they did not know. Waited a few weeks and heard nothing, so called back. This time they assured my the {$100.00} would be re-credited to the account that made the deposit, I just had to give it more time. Waited a few more weeks and still no {$100.00} credit back to my account. I do not have access to the account ( locked ) so it seems the bank simply took possession of my balance.
XXXX XXXX, unknown to us, withdrew {$28000.00} from our account at CIT Bank on XXXX XXXX, to XXXX XXXX XXXX XXXX, ACCT # XXXX. Her address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIT allowed this to go through. We are wooking with XXXX XXXX, from the CIT fraud Department, who has told us that it is not the banks policy to return the money to us. We have not heard back from XXXX XXXX XXXX XXXX. We have also filed a complaint with our local police, and the FTC.
In a letter dated XX/XX/XXXX, First Citizens Bank- the mortgagee of our property- advised XXXX - for the first time- via letter that an additional structure ( not our main dwelling our residence, which we already carry flood insurance on ) on our property now required flood insurance. We were away the first week of XXXX, and we were first able to retrieve and review this letter on XX/XX/XXXX. The letter was sent by a third party- XXXX and XXXX- that apparently handles insurance information on behalf of XXXX XXXX. We contacted XXXX and XXXX by phone immediately on XX/XX/XXXX and indicated that we didn't believe the structure required flood insurance. They indicated that they were only asked to follow-up on this new requirement, and gave as a phone number to call XXXX XXXX XXXX XXXX the matter further. We contacted XXXX XXXX, although they are extremely challenging to reach the correct party.…
This is a predatory bank, I was charged XXXX over draft fees in a single day for transactions ranging XXXX dollars totalling {$2900.00} bank refuses to refund it even partially, further more a ach hit my account before the actual overdrafts happened to make the account positive and they failed to post it to the account until after the overdrats resulting in the overdrafts
I made an external transfer from First Citizens bank of {$10000.00} on XX/XX/year>. The banks on-line banking system states that up {$10000.00} can be transferred per day. When I attempted to make another transfer on XXXX, the banks on-line system would not allow it stating " The amount was over the daily limit ''. I contacted the bank and was told that due to " processing '' I would not be able to make another transfer until the morning of XXXX. In violation of their own stated policy, my funds were kept hostage for an additional 2 days. I believe what they are stating on their banking website is deceptive and a way to keep customers money by delaying a transfer.
I am the legal parent of XXXX XXXX XXXX. I am formally reporting an unauthorized XXXX account opened using my minor childs Social Security number at the First Citizens Bank branch in XXXX, NC. The branch has stated that the custodian ( the XXXX grandmother XXXX XXXX ) verbally provided my childs Social Security number but did not present the Social Security card or proof of legal guardianship. This does not meet federal Customer Identification Program ( CIP ) or Know Your Customer ( KYC ) requirements. Verbal disclosure of a minors SSN by a non-guardian does not constitute lawful authorization. The branch has further claimed that prior custodianship at another bank constitutes permission for this account. That assertion is incorrect. Custodial authority is account-specific and revocable and does not grant blanket authority to use a minors SSN at another institution. I did not consent to this account.…
CIT BANK. I have been trying for months Ive secured emailed them XXXX times & never responded then Ive called every week to fix my problem. They tell me the person isnt available or will call me back which they never do. All I want to do is change my phone number because got a new phone so the phone number I have listed before wont let me log into my account because send a verification code to a number I dont have no more. My user name for CIT bank is XXXX email is XXXX phone number XXXX
Same thing happen to you?
Upload your evidence. We draft a formal complaint with citations in 10 minutes. CFPB legally forces a response in 15 days.